afinida insurance:

Commercial Insurance Coverage for Las Vegas, NV

In the dynamic landscape of Las Vegas’ bustling business scene, safeguarding your enterprise against unforeseen risks is paramount. That’s where Afinida Insurance steps in—as your dedicated ally in navigating the complex world of commercial insurance coverage with confidence and peace of mind.

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Every business is Unique

At Afinida Insurance, we understand that every business is unique, with its own set of challenges and vulnerabilities. That’s why we offer a comprehensive range of tailored business insurance solutions designed to meet the diverse needs of entrepreneurs and enterprises across Las Vegas, NV.

Protecting Your Business and Securing Your Future

Whether you’re a small startup or a thriving corporation, our team of seasoned insurance professionals is committed to delivering personalized service and unmatched expertise every step of the way. From property and liability coverage to workers’ compensation and beyond, we’re here to ensure that your business is protected against the unexpected, allowing you to focus on what you do best—growing your enterprise.

With Afinida Insurance, you can rest assured that your business is in capable hands. As specialists in commercial insurance, we go above and beyond to provide comprehensive coverage that safeguards your assets, mitigates risks, and ensures continuity in the face of adversity.

But our commitment doesn’t stop there. We believe in fostering long-term partnerships built on trust, transparency, and integrity. When you choose Afinida Insurance, you’re not just purchasing a policy—you’re gaining a trusted advisor and advocate dedicated to your success. We work hard to provide insurance as well as other business solutions to help you thrive.

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Our Commercial Insurance Experts

Experience the peace of mind that comes with knowing your business is protected by Afinida Insurance. Contact our team today to schedule a consultation and discover why we’re the premier choice for business insurance in Las Vegas, NV, and beyond.

Together, let’s secure your future and pave the way for continued growth and prosperity.

What Insurance Does a Contractor Need?

These business insurance policies cover the most common contractor risks, from General Liability Insurance to Workers' Comp, Business Owners Insurance (BOP), Inland Marine (Tools), and Umbrella Insurance, we have it all.

General Liability Insurance:

Essential for contractors, General liability insurance covers damages, legal costs from injury claims by non-employees, property damage, medical expenses, and protects against claims of libel, slander, and copyright infringement.

Best For

  • Customer bodily injuries
  • Damaged customer property
  • Product liability insurance

Workers’ Compensation Insurance:

This insurance keeps compliant contractors expenses such as medical bills, legal costs, and lost wages if an employee is injured, falls ill, or passes away due to a job-related incident. It's essential to highlight that workers' compensation insurance is frequently mandatory for businesses employing one or more workers.

Best For

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits

Business Owners Insurance:

Combining general liability and property insurance, a BOP shields your business assets, including property and equipment. Also covers business interruption costs like lost income and relocation expenses to resume operations swiftly.

Best For

  • Third-Party property damage or bodily injury
  • Stolen or damaged property
  • Physical locations including offices or shops

Umbrella Insurance:

Umbrella policies provide additional protection beyond the limits of your primary policies, offering an extra layer of security for your business. While they don't specifically fill gaps in coverage, they act as a supplementary safeguard against liabilities that exceed the limits of underlying policies.

Best For

  • Subcontractors working with general contractors
  • Large projects
  • High risk industries

Inland Marine:

This insurance protects tools and equipment in transit or at job sites. It covers them nationwide, shields assets during renovations with builder's risk coverage, and safeguards installations with installation floater protection.

Best For

  • Tools & Equipment at job sites
  • New Construction or Remodeling work
  • Cost of building materials


Surety bonds guarantee compensation when you fail to meet an obligation to your clients. This can include completing a contract or failing to maintain professional licensing standards in your state. This is not traditional insurance since all claim payments are repaid by you as the bond holder.

Best For

  • Contractors that are required for licensing or permitting
  • Government contract workers
  • Those required by a court of law

General Liability Insurance

General liability insurance, referred to as commercial liability insurance, is a crucial coverage for individuals who wish to be hired by general contractors or landlords. This insurance policy not only provides protection against damages and legal costs incurred from injury claims filed by non-employees or customers, but also compensates for damage to others' property caused by the business. In addition, it covers medical expenses arising from such incidents and safeguards against claims of libel, slander, and copyright infringement.

Workers’ Compensation Insurance

Workers Compensantion Insurance offers valuable protection in the event that one of your employees is injured, contracts an illness, or passes away due to an incident that occurred while on the job. This coverage can help cover a range of expenses, including medical bills, legal costs, and lost wages resulting from the employee's injury.

Business Owners Insurance

A business owner's policy (BOP), offers comprehensive coverage by combining general liability insurance and property insurance. It provides protection for the property your business owns or leases, including buildings and other necessary equipment. Additionally, it covers expenses related to business interruption, such as lost income and relocation costs to a temporary location to get your business back on track.

Umbrella Insurance

When you purchase an insurance policy, there is a maximum amount that it will cover in case of an incident. However, an umbrella insurance policy provides an additional layer of protection by covering costs that go beyond the limit of another policy. Not having it could result in being responsible for any costs that surpass your policy limit. Business liability suits can easily go over the actual worth of many small businesses, making it crucial to consider getting an umbrella policy to safeguard your company.

Inland Marine

Covers tools and equipment used in the field. Protects business property in transit and when away from your office location:

  • Tools & Equipment – Covers tools and equipment anywhere in the US. Protects business property when you’re out in the field, whether in transit our at a job site.
  • Builders Risk – The best way to protect your client’s building is with a builder’s risk policy. Any damage to the existing building is not covered under your general liability policy. The builders risk policy will cover you and your client’s assets when you’re undertaking renovations.
  • Installation Floater – Protects you from the exposures you face during the installation process, including the value of the property that is being installed.


Surety bonds serve as a guarantee to your clients in situations where you may fail to fulfill an obligation. Whether it's completing a contract or maintaining professional licensing standards, a surety bond ensures compensation to your clients if you fall short. It's important to note that unlike traditional insurance, where the insurer covers claim payments, with surety bonds, you, as the bond holder, are responsible for reimbursing any claims made against the bond.

Relax, We’ve Got You Covered!

Join Afinida Insurance today, where risks are reduced and confidence enhanced. You construct the dreams of your clients, let us construct your security shield. Trust us, we’ll have your back when you need us the most! Your peace of mind is just a quote away. Choose Afinida Insurance today. Protect tomorrow.